प्रधानमंत्री जीवन ज्योति बीमा योजना 2026: आवेदन और दावा
Quick facts: Just ₹436/year premium · ₹2 lakh life cover (natural or accidental death) · age 18-50 · auto-debit from your savings account · enrolment at any participating bank · helpline 1800-110-001.
Term life insurance is one of the cheapest financial products a family can buy, yet crores of Indians remain uninsured — not because they can’t afford it, but because they don’t know cover this affordable exists. The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) was launched on 9 May 2015 specifically to close this gap. For ₹436 per year (₹1.19/day), you get ₹2 lakh life cover paid to your nominee if you die — from any cause, natural or accidental. Over 23 crore Indians are currently enrolled.
PMJJBY क्या है — What the Scheme Offers
- Cover amount: ₹2,00,000 (flat) — paid to nominee on death
- Premium: ₹436 per year per member (paid via auto-debit)
- Term: 1 year (renewable annually, auto-debit on 1 June each year)
- Coverage window: runs 1 June to 31 May
- Claim ratio: as of 2026, PMJJBY has settled over 8 lakh claims totaling ₹16,000+ crore — industry-leading settlement record
- Regulator: Department of Financial Services (Ministry of Finance)
पात्रता — Who Qualifies
- Indian citizen aged 18-50 years at enrolment
- Active savings account at any participating bank (includes nearly all PSU + private + RRB + coop banks)
- Aadhaar linked to the savings account
- Self-declaration of good health at enrolment (no medical test for initial entry)
Continuation after age 50
Once enrolled, coverage continues until age 55 with annual renewal. After 55, cover ends.
Key exclusions
- Suicide within first 45 days of enrolment (premium refunded to nominee, no sum insured)
- Pre-existing disease that caused death within the first 45 days
- After 45 days, all causes of death are covered — this is the scheme’s big differentiator
आवश्यक दस्तावेज़ — Documents Required
- Aadhaar card
- Savings account (for premium auto-debit)
- Nominee details (name, relation, Aadhaar/address) — critical
- Self-declaration of good health (form signed at enrolment)
No medical examination required. No KYC beyond the bank’s own.
कैसे enrol करें — How to Enrol
Option 1: Via net banking (fastest)
- SBI YONO: Financial Services → PMJJBY
- HDFC NetBanking: Requests → Insurance → PMJJBY
- ICICI iMobile: Open Instant → Govt Scheme → PMJJBY
- PNB, BoB, Canara, Union, IDBI — all support online enrolment
- Log in to your bank app/net banking
- Search for “PMJJBY” or “Jan Suraksha”
- Confirm your name, DOB, nominee details
- Accept the terms and the self-declaration of good health
- Authorize ₹436 auto-debit
- Receive enrolment confirmation by SMS + e-certificate
Option 2: In-branch
- Visit your branch with Aadhaar + account details
- Fill the PMJJBY Consent-cum-Declaration form
- Provide nominee details
- Submit → premium debited immediately
Option 3: Via Bank Mitra
Rural/semi-urban: your Bank Mitra can enrol you on their micro-ATM device in minutes.
Coverage Timeline
| Event | Timing |
|---|---|
| Enrolment accepted | Same day (auto-debit completed) |
| Coverage begins | Immediately on premium debit |
| 45-day clause | Deaths within first 45 days from certain causes excluded (see above) |
| Full cover | After 45 days, all causes covered |
| Annual renewal | 1 June each year (auto-debit from your account) |
| Cover ends | Age 55 OR if premium debit fails for 2 consecutive years |
Premium Auto-Debit and Renewal
- Every 1 June, ₹436 is auto-debited for the coming year’s coverage
- Your savings account must have ₹436+ on that date
- If the debit fails, cover lapses for 30 days — you can pay manually within that window to restore
- After 30 days lapse, you must re-enrol (fresh 45-day exclusion window applies)
Claim Process — When You Need It Most
Step 1: Within 30 days of death
Nominee contacts the bank where the deceased had PMJJBY enrolled. Carry: – Death certificate (original) – PMJJBY enrolment acknowledgment – Nominee’s ID + bank account details – Claim form (available at bank or jansuraksha.gov.in)
Step 2: Bank submits claim
Bank forwards the claim to the partner insurance company (LIC or a GIC subsidiary).
Step 3: Verification and payout
- Natural-death claims: processed in 60 days
- Accidental-death claims: FIR + post-mortem required; processed in 75-90 days
- Payout: ₹2 lakh credited to nominee’s bank account
Industry-leading fact: PMJJBY has a 98%+ claim-settlement ratio — higher than most private term-insurance products.
हेल्पलाइन — Official Helpline
| Service | Number |
|---|---|
| Jan Suraksha Helpline | 1800-110-001 |
| Jan Suraksha Alt | 1800-180-1111 |
| Your bank | customer care |
| Portal | https://www.jansuraksha.gov.in |
FAQ — Common Questions
₹2 lakh seems small — should I still enrol? Yes. PMJJBY is not meant to be your only life insurance — it’s a starter cover for households that otherwise would have zero. At ₹436/year, even a higher-income family should enrol; combine with regular term insurance (₹50 lakh – ₹1 crore) for adequate coverage.
Can I have PMJJBY at multiple banks for ₹4 lakh / ₹6 lakh cover? Technically yes — you can enrol at multiple banks. However, at claim time, the total payout is capped at ₹2 lakh. Enrolling multiple times simply wastes premium. Use one enrolment; top up with a regular term policy.
I missed the 1 June renewal — is my cover gone forever? No. You have a 30-day grace window to pay manually and restore cover. After that window, you must re-enrol, and the 45-day exclusion clock starts over.
What if the nominee I named dies before me? Update your nominee via the bank — takes a few minutes at branch or on the mobile app. If you don’t update and you die, the payout goes to your legal heirs through succession procedure (slower).
Does PMJJBY cover suicide? Only if the suicide happens after 45 days from enrolment. Before 45 days, premium is refunded to nominee but ₹2 lakh is not paid.
Is PMJJBY premium tax-deductible? Yes — under Section 80C (general life-insurance premium deduction). ₹436 is a small component but still counts toward the ₹1.5 lakh 80C limit.
Related guides on LabhKosh
- PMSBY ₹20 Accident Insurance
- Jan Dhan Yojana Zero-Balance Account
- Section 80C Tax Saving Guide
- Atal Pension Yojana
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Last verified: 20 April 2026. Official source: https://www.jansuraksha.gov.in